Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$79,189Cash toward the purchase price.
Closing costs + prepaids$19,044Not just lender fees.
Before credits & paid funds$98,234The complete starting cash picture.
Estimated remaining funds due at closing
$98,234No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$79,189.50
Your down payment$79,189.50
Closing costs + prepaids$19,044.39
Total buyer cash needed$98,233.89
Remaining funds due$98,233.89
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$7,099.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$3,153.55
Home insurance (12 months up front)$2,600.00
Insurance escrow (3 months)$650.00
Property tax escrow (3 months)$887.50
Initial HOA (3 months)$291.00
Prepaid interest, first (17 days)$1,395.34
Fees + prepaids$19,044.39
Your down payment is the seller’s equity. You take over the $630,711 balance, so the rest of the $709,900 price is paid at closing. A second mortgage can cover part of it. $98,233.89 is due at closing. Uses and sources reconcile at $728,944.39 each. Not a Closing Disclosure.